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California Rideshare Insurance: Protection for Drivers

By: // Updated: September 17, 2020

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Uber and Lyft are two of the largest rideshare companies in the world, and their humble start in Silicon Valley made way for an entirely new type of vehicle coverage in the area: California rideshare insurance.

And it’s for good reason.

California is home to more rideshare drivers than any other state. So it makes sense that this new type of insurance would be pioneered here.

Related: The Definitive Guide To Rideshare Insurance

Which Companies Provide California Rideshare Insurance?

Allstate, Farmers, Liberty Mutual, Mercury, Met Life, State Farm, and USAA are six of the largest players that currently offer California rideshare insurance.

The policies that these companies offer range widely in scope, and each one offers a different type of coverage for different reasons.

Let’s take a look at each.


Allstate

Allstate’s California rideshare insurance policy adds an additional layer to a driver’s personal insurance policy, focusing in on Period 1.

In addition, these types of policies also offer coverage to bridge the “Coverage Gap” that arises when drivers are logged into a rideshare app and waiting for a passenger request to come in.

Their “Ride for Hire” policy adds an extra layer of protection to allow drivers to pick up and drop off passengers without losing sleep over their coverage. Policies can cost as little as $15-20 per year, making Allstate a great option for California drivers looking for rideshare insurance.


Liberty Mutual

Liberty Mutual insurance in California is another great option for rideshare drivers. This company offers policies at competitive rates and offers extensive billing options.

And don’t quote us on this, but from what we’ve found it seems like some of their personal auto insurance policies might possibly extend to rideshare.

Liberty Mutual California Rideshare Insurance Screenshot

As I said, we don’t know for sure, but it looks like this might be the case based on one recent forum post for Uber drivers. It’s worth a call to your insurance agent to find out.


Mercury

A Mercury California rideshare insurance policy is another option to consider when shopping around.

According to their website, “Mercury Insurance can provide the coverage you need, and the best part is that it can cost as little as $0.20 a day! That’s right, you can protect your vehicle, family and livelihood for as little as a few pennies a day.*”

These types of policies aim to fill the Coverage Gap, providing drivers with high quality insurance that extends coverage in Period 1.

(866) 592-0056


Met Life

MetLife, one of the nation’s leading insurance companies, recently announced unique coverage options, including a policy that offers California rideshare insurance coverage.

MetLife’s rideshare insurance policy “offers coverage for rideshare drivers at every stage of the trip: while the driver is logged into the app and waiting for a passenger request, is en route to pick up a passenger, and during the trip with the passenger.”

The cost of the premiums on these types of policies vary based on the amount of miles a drivers actually drives.


State Farm

If you’re looking for California rideshare insurance, another great option is to check out State Farm’s Rideshare Driver Coverage.

Having a policy from this company will cover drivers in Period 1, Period 2, AND Period 3. This adds just another robust layer of coverage to shield you from liability and unwanted expenses in case of an accident.

A policy from State Farm in California, according to their website, adds about 15 to 20 percent to a current State Farm premium, depending on the coverage options chosen.


USAA

If you’re looking for a California rideshare insurance option that starts at only $6 per month, then look no further than USAA’s policy.

The policies offered by this company add another layer of protection to drivers, helping offset the cost of car repairs, medical bills, and other accident-related expenses.

In addition, there’s an entire suite of coverage options to meet most budgets and needs. This opens up the door for most drivers, leaving them with little excuse to not be covered.

USAA rideshare insurance coverage - California rideshare insurance policy graphic

The kicker to USAA is that they only serve military community members and their family. While a great option, the offerings are limited to a certain group that most people won’t be eligible for.


My Take: Cheapest Rideshare Insurance California

It’s hard to tell which option from above is the cheapest California rideshare insurance policy. The prices of each policy really just depend on your driving record, coverage levels, and a variety of other factors that are unique to you.

What we can say, however, is that drivers should shop around and price out as many different quotes as possible.

What is the best California rideshare insurance policy? Which would you recommend to other drivers? Let us know in the comments below!

15 thoughts on “California Rideshare Insurance: Protection for Drivers”

  1. Kemper is another insurance company in California that offers a rideshare endorsement. From my experience as an agent, Kemper’s rates are competitive with some of the larger companies. It’s a person by person basis, but in some instances Kemper is even cheaper than Mercury or Allstate.

    Reply
  2. Just got off the phone with Liberty Mutual, They do not cover rideshare in California. – They are useless as well as Progressive.

    Reply
  3. Liberty will not cancel if you are a driver but they do not have ridshare in california….noticing Harry needs to due some updating…..

    Reply
  4. Liberty will not cancel if you are a driver but they do not have ridshare in california….noticing Harry needs to due some updating…..

    Reply
  5. Adding even the small cost of true ride share insurance is tough when I am trying to make ends meet in San Francisco. I am working for Lyft and for ambulance company while I go to med school. With Lyft I drive a lot of tourists around SF so I just signed up for DriverOpportunity.com, hope it works like they say, if so I can pay for the ride share insurance and make a badly needed couple of hundred bucks a month. Nothing ventured, nothing gained!

    Reply
  6. Thank you Ridester.com! What a great article! Turns out it isn’t cost prohibitive to have the correct ride share insurance. There are so many horror stories about people getting denied coverage for an accident by an insurance company because they were not properly covered. Learning that it is cheaper to get proper insurance for a month for under a dollar a day is great news!

    Reply
  7. Some drivers more than offset the cost of commercial insurance by earning extra money referring passengers to certain businesses in 12 qualifying cities. You refer, they buy, you earn. You can check it out and see if where you drive qualifies for this second income program at DriverOpportunity.com, it is a free site and no credit card is required.

    Reply
  8. Adding even the small cost of true ride share insurance is tough when I am trying to make ends meet in San Francisco. I am working for Lyft and for ambulance company while I go to med school. With Lyft I drive a lot of tourists around SF so I just signed up for DriverOpportunity.com, hope it works like they say, if so I can pay for the ride share insurance and make a badly needed couple of hundred bucks a month. Nothing ventured, nothing gained!

    Reply
  9. Thank you Ridester.com! What a great article! Turns out it isn’t cost prohibitive to have the correct ride share insurance. There are so many horror stories about people getting denied coverage for an accident by an insurance company because they were not properly covered. Learning that it is cheaper to get proper insurance for a month for under a dollar a day is great news!

    Reply
  10. Some drivers more than offset the cost of commercial insurance by earning extra money referring passengers to certain businesses in 12 qualifying cities. You refer, they buy, you earn. You can check it out and see if where you drive qualifies for this second income program at DriverOpportunity.com, it is a free site and no credit card is required.

    Reply

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